Insurance Your details only

[benji89]

Owner: ben
Age 20
No Claims: 3 Years
Convictions: sp30 august 09
Any other drivers: Mum & Dad

Year of Roadster : 2000
Colour: Black
Gearbox : Manual 5sp
Hardtop? No

Location: newport(ish)
Garaged? residential parking
Insurance Company: Bell
Underwriter if Applicable :
10 month or 12 month policy: 12month
Total Cost: £1400
Excess: £250 voluntary (plus £500 for being under 21)
Modifications: None
Business Cover: No
Trackday Cover? No
Legal Cover: yes

Claim Experience if Any? None

Any General Comments:

[Anonymous]

Owner: Unify
Age: 20 3 years no claims
Convictions: N/A
Any other drivers? My dad.

Year of Roadster: 2000
Uk / EU / or J-spec EU
Colour: Red
Gearbox: Manual
Hardtop? Yes

Location: Essex
Garaged? Garage/ driveway.

Insurance Company : Elephant
Underwriter if Applicable Chaucer

10 month or 12 month policy? 10 month bonus accelerator
Total Cost: £1415!!

Modifications Suspension mods and exhaust.
Is the Value of Modifications Covered? N/A

Business Cover? Yes.
Trackday Cover? N/A

Claim Experience if Any? N/A - One on my Dad's side.

Any General Comments

[andythom]

Owner: - andythom
Age: - 24
Convictions: - sp50 and cd30 - 9pts total
Any other drivers?: - gf and mum

Year of Roadster: - 2004 04
Uk / EU / J-Spec - uk
Colour - sable
Gearbox - 6 spd man
Hardtop? no

Location: glasgow
Garaged?: residential parking

Insurance Company - Elephant
Underwriter if Applicable N/A

10 month or 12 month policy? - 10 month
Total Cost - £682

Modifications: - none as yet
Is the Value of Modifications Covered?: - No

Business Cover?: - no
Trackday Cover?: - No

Claim Experience if Any? - 7 yrs NCB no claim experience touch wood

Any General Comments-

[Mike68]

Owner - Myself, insured in wife's name
Age - 42
10+ years no claims discount / 25 years driving experience
Convictions - None
1 non fault accident
Any other drivers? spouse

Year of Roadster - 2000
import model
Colour - silver
Gearbox - Manual
Hardtop? No

Location - Lowestoft, Suffolk
Garaged? No, Driveway

Insurance Company - Sky
Underwriter - will update when I get the details through

10 month or 12 month policy? - 12month
Total Cost - £400 inc protected no claims

Modifications - Face lift seats and front bumper, chasis and strut bracing, exhaust and manifold, k&n air filter with markiii pipe, rear spoiler, 17" alloys, tte springs, short shifter, TRD rear spoiler, alpine ICE


Business Cover? No
Trackday Cover? No

[Anonymous]

Owner - Myself
Age - 45
12 years no claims discount / 28 years driving experience
Convictions - None
1 non fault accident
Any other drivers? spouse

Year of Roadster - 2004
Colour - Met Grey
Gearbox - Manual
Hardtop? No

Location Hereford
Garaged?  On road

Insurance Company - Dial direct
Underwriter

10 month or 12 month policy? - 12month
Total Cost - £218

Modifications - 17" alloys


Business Cover? No
Trackday Cover? No

[onion86]

Owner - Myself
Age - 24
No claims: 5 years NCB
Convictions - SP30 01/06 3pts
Claims - 0
Any other drivers? Mother

Year of Roadster - 2000 (W) J-Spec
Colour - Black
Gearbox - 5sp - Manual
Hardtop? No

Location Bristol
Garaged? Driveway

Insurance Company - Sky Insurance
Underwriter - TBC

10 month or 12 month policy? - 12month
Total Cost - £1150 (+£30 for paying deposit + 3 monthly installments)
Excess: TBC

Modifications - 17" Alloys, Full Bodykit, Full Exhaust System, Air Filter, GT28R Turbocharger, Intercooler, Boost Controller, Upgraded Fuel Injectors, Strut Bracing, Greddy Emanage Blue, Dump Valve (SARD), Upgraded Clutch (RPS), 220BHP.
Is the Value of Modifications Covered?: - Yes

Business Cover? No
Trackday Cover? No
EU Cover: 90 days

Claim Experience if Any? None to date

Any General Comments -  Matched (plus beat by £5) Adrian Flux quote. Original Sky renewal was £1641  s:o s:o  - reduced from 250BHP to more realistic 220BHP (which put renewal quote to £1426).

[emptybee]

Big thank you to Sky insurance who found me somewhat of a bargain by calling me today to make a further discount due to it being the end of the month:

Owner Max
Age 24 3 years no claims
Convictions 1 sp30
Any other drivers? No

Year of Roadster 51
Uk / EU / or J-spec: UK
Colour Silver
Gearbox Manual
Hardtop? Yes

Location Cambridge
Garaged? Secure car park

Insurance Company Sky (MR2ROC Scheme)
Underwriter if Applicable Chaucer

10 month or 12 month policy? 12month
Total Cost £764.95 (£695 + £69.95 breakdown cover)

Modifications: Suspension lowered, cobra quad exhaust, blitz induction kit, che manifold, 17" Pro Race 1.2S alloys
Is the Value of Modifications Covered? Yes

Business Cover? No just S,D,P and commuting
Trackday Cover? No.

Claim Experience if Any? None to date

Admiral were my previous insurer and they quoted £690 with no mods and £960 with Mods. Thanks again to Louise at sky insurance , very helpful.

[SteveJ]

Owner : SteveJ
Age : 40 12 years no claims
Convictions : None
Any other drivers? : No

Year of Roadster : 02
Uk / EU / or J-spec : EU
Colour : Black
Gearbox : Manual
Hardtop? : No

Location : Dorset
Garaged? : No

Insurance Company : Adrian Flux
Underwriter if Applicable : Trinity Lane

10 month or 12 month policy? : 12month
Total Cost : £518.08

Modifications : Hass Turbo
Is the Value of Modifications Covered? : Yes

Business Cover?  : Commuting
Trackday Cover? : No

Claim Experience if Any? None to date

Any General Comments

[Anonymous]

Owner: Les
Age: 59
NCB: max
Convictions: 1x SP10
Other drivers:Anne

Year of Roadster: 52
UK/EU/Jap: UK
Colour: silver
Gearbox: Manual
Hardtop: No

Location: Sproatley HU11
Garaged or drive: Yes and No (Depends who gets in first)
Insurance Company: More Than  
10 or 12 month policy: 12
Total cost: £225.61, £200 excess.

Type of cover: Fully comp including breakdown cover, NC protector etc.


Modifications: Quad exhaust
Value of Mods covered:
yes

Business cover: No,
Trackday cover: No

Claim experience: None.

Any general comments:Once again I never settled for the original renewal quote of £250.61and negotiated a reduction to current figure (Did the same again with Anne's for her IQ and got hers reduced   s:wink: :wink: s:wink:  )

[uktotty]

Owner - UKTotty
Age - 42
No claims: 10 years NCB
Convictions - None
Claims - 0
Any other drivers? None

Year of Roadster - 2000 (X)
Colour - Blue
Gearbox - 5sp - Manual
Hardtop? Yes

PLUS

Daewoo Musso 2.3 Petrol

Location Newbury
Garaged? Driveway

Insurance Company - Admiral Multi Car
Underwriter - TBC

10 month or 12 month policy? - 12month
Total Cost - £460(for BOTH vehicles)
Excess: £250

Business Cover? No
Trackday Cover? No
EU Cover: 90 days

Claim Experience if Any? None to date

Any General Comments - More than Wanted £510 for one car and £530 for the other giving me a total of £1040
this shows a HUGE saving and More Than told me my car was only available in SMT and they never made a Manual

[skinz]

Owner - Skinz
Age - 23
No claims: 4 years NCB
Convictions - TS10 04/07 & SP30 12/07 - naughty boy
Claims - 0
Any other drivers? Mum & Dad

Year of Roadster - 2002 (51) J-Spec
Colour - Black
Gearbox - 5sp - Manual
Hardtop? No

Location Pathhead (Nr Edinburgh)
Garaged (but need to change to street as its too low to get on driveway into garage now - doh)

Insurance Company - Admiral
Underwriter - WTF?

10 month or 12 month policy? - 10month
Total Cost - £425
Excess: £1000 + £250 compulsury - Just got to avoid crashing :p
Business Cover? No
Trackday Cover? No
EU Cover: No

(figured go for the high excess as i will only claim for write off, as i would pay cash if i damage it rather than claiming anything where i would e penalised for the following 5years), good thing is admiral/bell only ask for points up to  3 or 4 yr, so come renewal ill be on 5yr NCB with no points - and ill be 24 :p) still good price for mport though.

No mods declared yet (coilovers/ice) as i considered since it came from japan with coilovers then replacing them doesnt affect the way the car was registered in uk therefore in a sense standard lol, n ice is nothing, may tell them bout zorst/spoiler/alloys after renewal - if i ever get enough cash to get them lol)

[SimonC_Here]

Owner - Simonc_here
Age - 33
No claims: 6 years
Convictions - None for me (MS60  (6pts) for wife)
Claims - 0
Any other drivers? Wife

Year of Roadster - 2000
Colour - Green
Gearbox - 5sp - Manual
Hardtop? No

Location Oxfordshire
Garaged

Insurance Company - A Flux
Underwriter - RedStar

10 month or 12 month policy? - 12 month
Total Cost - £490
Excess: £250

Modifications: Lots including charge cooled turbo kit and bracing
Value of Mods covered: Yes

Business Cover? Yes
Trackday Cover? No
EU Cover: Yes 60 days

Claim Experience: None yet

General Comments: Was with Sky. Who were fine but I dislike having to "Call for best renewal quote" Just give it to me on my renewal notice in the first place.  s:evil: :evil: s:evil:  
Anyway Flux was cheaper (by £46) with similar/better cover including unlimited mileage and modifications.

[reds]

Owner - reds
Age - 28
No claims: 7 years
Convictions - None
Claims - one 50/50 when got knocked off of my motorbike filtering - not my fault but didnt want to drag it through the courts as it took 15 months to get to 50/50 !
Any other drivers? No misses is too your (have to be over 26 on this policy)

Year of Roadster - 2002
Colour - Blue
Gearbox - 5sp - Manual
Hardtop? No

Location Bromsgrove
Kept on drive

Insurance Company - 1st Central
Underwriter - ?

10 month or 12 month policy? - 12 month
Total Cost - £469
Excess: £300

Modifications: Nopw
Value of Mods covered: N/a

Business Cover? No
Trackday Cover? No
EU Cover: Yes 60 days

Claim Experience: None yet

General Comments: Cheapest by £100 (swiftcover was next best) Motorbike incident seems to have added £50-£100 onto any quote  s:( s:(

[JudoKilli]

Owner - JudoKilli
Age - 21
No claims: 1
Convictions - None
Claims - none
Any other drivers? Mother & Father (I'm still main policy holder)

Year of Roadster - 2003
Colour - Black
Gearbox - 6sp - Manual
Hardtop? No

Location Essex
Kept on drive

Insurance Company - Elephant


10 month or 12 month policy? - 12 month
Total Cost - £649
Excess: £300

Modifications: nose badge, front grille
Value of Mods covered: £50

Business Cover? No
Trackday Cover? No
EU Cover: No

Claim Experience: None yet

General Comments: By far the very cheapest I could find, being only 21 with only 1 years no claim. Don't know why but it made a massive difference to have my mum on the policy!

[calaerial]

Cannot understand how you lot have managed to get prices like that O_o

Owner - Calaerial
Age - 25
No claims: 3
Convictions - 1x SP30 - 2006
Claims - None in the last 3 years (current insurer only asks for 3)
Any other drivers? None

Year of Roadster - 2001
Colour - Silver
Gearbox - 5spd - Manual
Hardtop? No

Location Merseyside
Kept in residential parking

Insurance Company - Admiral


10 month or 12 month policy? - 10 month
Total Cost - £950
Excess: £250 Compulsory, 500 Voluntary

Modifications: None
Value of Mods covered: N/A

Business Cover? No
Trackday Cover? No
EU Cover: No

Claim Experience: None yet

And thats with a blatantly optimistic annual mileage estimate of 6000 miles!

[hpjes]

Owner - Hpjes
Age - 39
No claims: 7 years
Convictions - 0
Claims - None
Any other drivers? Spouse

Year of Roadster - 2005 -55
UK spec
Colour - Silver
Gearbox - 6spd - Manual
Hardtop? No

Location - Devon

Garaged? Kept on drive

Insurance Company - Esure


10 month or 12 month policy? - 12 month
Total Cost - £269
Excess: £100 Compulsory, £100 Voluntary

Modifications: None
Value of Mods covered: N/A

Business Cover? yes
Trackday Cover? No
EU Cover: No

No claim experience.

[SamsSpares]

Owner: Sam
Age 17 (first car!)
Convictions: None
Any other drivers? Yes the mother!
Year of Roadster - 52 plate (2003)
Uk / EU / or J-spec: UK
Colour: Red
Gearbox: Manual
Hardtop? Nope
Location: Birmingham
Garaged? yes

Insurance Company: Insure the box

10 month or 12 month policy? 12month
Total Cost £2021!!!

Modifications: Clear Indicators, 17" alloys, xenon headlights, complete sony sound system,  
Is the Value of Modifications Covered? No

Business Cover? No
Trackday Cover? No

Claim Experience - nothing yet!

Any General Comments

very expensive to insure! but i love my '2!

[petej]

Far from happy... I think last year was £350ish

What an utter pain in the arse it was to insure a modified car... In the end I gave up and (after haggling) I settled for £459 (was supposed to be £602)

Golden rule is no mods and don't go and earn 3 points on your license!!   s:cry: :cry: s:cry:  


Owner - petej
Age - 42
No claims: 20 years
Convictions - sp30
Claims - None
Any other drivers? Spouse

Year of Roadster - 2001 - 51
UK spec
Colour - White
Gearbox - 5spd - Manual
Hardtop? Not discussed

Location - Kent

Garaged? Yes

Insurance Company - Elephant / Admiral


10 month or 12 month policy? - 12 month
Total Cost - £459
Excess: £75 Compulsory, £250 Voluntary

Modifications: Yes
Value of Mods covered: No

Business Cover? No
Trackday Cover? No
EU Cover: Yes

[skyinsurance]

Far from happy... I think last year was £350ish

What an utter pain in the arse it was to insure a modified car... In the end I gave up and (after haggling) I settled for £459 (was supposed to be £602)

Golden rule is no mods and don't go and earn 3 points on your license!!   s:cry: :cry: s:cry:  


Owner - petej
Age - 42
No claims: 20 years
Convictions - sp30
Claims - None
Any other drivers? Spouse

Year of Roadster - 2001 - 51
UK spec
Colour - White
Gearbox - 5spd - Manual
Hardtop? Not discussed

Location - Kent

Garaged? Yes

Insurance Company - Elephant / Admiral


10 month or 12 month policy? - 12 month
Total Cost - £459
Excess: £75 Compulsory, £250 Voluntary

Modifications: Yes
Value of Mods covered: No

Business Cover? No
Trackday Cover? No
EU Cover: Yes

Did you try the club insurers for a comparison?

 m http://www.skyinsurance.co.uk/car-club-insurance.html m

[G20]

Owner - G20
Age - 25
No claims: 2 years
Convictions - None
Claims - None
Any other drivers? Named parent

Year of Roadster - 2005 - 55
UK spec
Colour - Blue
Gearbox - 6spd - Manual
Hardtop? Not discussed

Location - Stirling

Garaged? Yes

Insurance Company - Admiral


10 month or 12 month policy? - 12 month
Total Cost - £553
Excess: £75 Compulsory, £400 Voluntary

Modifications: Yes
Value of Mods covered: No

Business Cover? No
Trackday Cover? No
EU Cover: Yes

Price is inclusive of breakdown cover. The only other company that came close was Adrian Flux, but with less cover.

[johnny_regis]

Owner - Myself
Age - 34
No claims: 9
Convictions - SP30 08/09 3pts
Claims - 0
Any other drivers? No

Year of Roadster - 2002
Colour - Silver
Gearbox - 5sp - Manual
Hardtop? No

Location Bognor Regis
Garaged? Roadside

Insurance Company - Adrian Flux
Underwriter - TBC

10 month or 12 month policy? - 12month
Total Cost - £401 - 1 payment
Excess: £250

Modifications - No
Is the Value of Modifications Covered?: n/a

Business Cover? No
Trackday Cover? No
EU Cover: 90 days

Claim Experience if Any? None to date

Any General Comments - Already have another vehicle with Flux.  Limited mileage 7.5k. They discount further if member of owners club or you have advanced driving course.

[Pavett1990]

Owner: Pavett1990
Age 21
Convictions 0.
Any other drivers? No

Year of Roadster 03 (52)
Uk / EU / or J-spec uk
Colour silver
Gearbox Manual
Hardtop? not yet but hoping

Location: Bridgend south Wales
Garaged? no   on dirve

Insurance Company Admiral
Underwriter if Applicable

10 month or 12 month policy? 12month
Total Cost £720

Modifications: Standard alloys sprayed grey, sound system
Is the Value of Modifications Covered? Yes upto £5000

Business Cover: no
Trackday Cover: no

Claim Experience if Any? 2  s:( s:(  
1) at 17 reversed into pay box in a multistory car park. Panicked, claimed to try hide from parents
2) at 17 3 weeks after claim 1 i hit a stationary ford focus @ 60mph (completely my fault) not paying attention to her not pulling off at traffic lights (old boy racer days grown up a lot since then)  s:lol: :lol: s:lol:  

Any General Comments:
Couldn't believe the discounts I had from admiral.. Was Paying £180 per month £180x10 =£1800 + £200 deposit so £2000 then down to £700 with multi car

[Flipside]

Owner: Craig
Age 38
Convictions: None
Any other drivers? GF
Year of Roadster - Y 2001
Uk / EU / or J-spec: UK
Colour: blue
Gearbox: Smt
Hardtop? Nope
Location: Reading
Garaged? No

Insurance Company: Lloyds TSB

10 month or 12 month policy? 12month
Total Cost £276

Modifications: induction kit, sound system  
Is the Value of Modifications Covered? Yes

Business Cover? Yes
Trackday Cover? No

Claim Experience - 10 years protected

Any General Comments

[AndyM]

Owner: Andy M
Age: 31 (5 years no claims)
Convictions: No
Any other drivers: Yes, girlfriend (cohabiting)

Year of Roadster: 03
Spec: UK
Colour: Sable
Gearbox: Manual
Hardtop: Yes

Location: Cheshire
Garaged: No (on drive)

Insurance Company: Chris Knott Insurance
Underwriter if Applicable: Highway (by LV=)

10 month or 12 month policy: 12 month
Total Cost: £432.00 (paid over 12 months with a £36 credit fee added)
Excess: £200 compulsory, £0 voluntary

Modifications:
-Hard top
-Inlet pipe (Markiii)
-K&N Air Filter
 
Is the Value of Modifications Covered: Yes (I think)

Business Cover: Commute only
Trackday Cover: No
EU cover: Yes

Claim Experience: None to date

Any General Comments:
Based on a 14k annual mileage as it's my daily drive and with no claims protection. Very good to deal with on the phone. Slight bit of negotiation required about 'proving' a quote to be beaten but got there in the end, and I had to ask for third party cover on other cars (because I drive a convertible apparently). There is also a fair bit of paperwork to sort out/sign (including copies of all driving licenses - both parts) but all in all good to deal with. They have also assured me many further modifications won't incur a premium increase but I've yet to test it.

[shnazzle]

Owner: Patrick dO
Age: 30 (0 years no claim)
Convictions: No
Any other drivers: Yes, wife. One at fault accident.

Year of Roadster: 02
Spec: UK
Colour: Black
Gearbox: Manual
Hardtop: No

Location: Northumberland
Garaged: No (on drive)

Insurance Company: iGo4
Underwriter if Applicable: Ageas

10 month or 12 month policy: 12 month
Total Cost: £390
Excess: £350 accidental damage, £60 windscreen, £100 fire/theft

Modifications: None
 
Is the Value of Modifications Covered: N/A

Business Cover: No
Trackday Cover: No
EU cover: Ja

Claim Experience: None to date

Any General Comments:
Quote over the phone was 150 more than on Comparethemarket. So took a bit coercing to get the price on the site. Worked.
They're very automated. Everything is through websites. So far so good.